Home Refinance in Gloucester County, NJ

Have you been thinking about refinancing your home? With all of the negative housing industry news lately, it is easy to forget about lowering your housing bills with a refinance. Rates are currently very low and there is a large percentage of home owners who can benefit from a refinance.

Does your math line-up?

You can refinance to save money every month. You can also refinance to change the loan terms. Typically when home owners change loan terms, it is from a 30 to 15 year loan. The reality is that I've met many home owners who's "math" doesn't line up. For example, I may ask them when they plan to retire. They answer, "in 10 years", but the facts are that their mortgage will last for the next 30 years, and they can't afford to comfortably make the mortgage payments on their "retired income" (in 10 years).

As the saying goes, "You don't know unless you ask!" Should you refinance now? Maybe. The best plan is to talk to someone with access to mortgage rates and options, that can give you sound advice. Talk to a knowledgeable loan officer today. The worst he/she can say is, "Now is not a good time". Conversely they may help you save money, time, and help you properly plan for retirement.

If you would like to talk to a local mortgage loan officer, feel free to call and I'll do my best to point you in the right direction for your personal needs.

Steve Kappre is a mortgage loan officer in New Jersey. Steve is married with 3 children, has lived in South Jersey his whole life and has 10 years experience as a mortgage loan officer. For more info or questions feel free to contact Steve.

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